If you currently owe:

Interest is based on Zopa’s Representative APR 4.8% for borrowing £14,000.00 over 5 years. To see your personalised rate to compare, please apply for your loan.

Why Zopa

Low rates

Borrow between £1,000 and £25,000

Loans over 1 to 5 years

Repay your Zopa loan early at any time with no fees or penalties

Voted most trusted loan provider

What our customers say

“I tried a few high street providers but couldn't get a loan at an acceptable rate, so did a search online and found Zopa. To get a loan from you Zopa could not have been simpler. The application was quick and simple and the service was great.”

Louise (Bristol)

Who can get a Zopa loan

To get a loan you need to:

have credit history we can see

a good track record of repaying debt

have an income (this could be a salary or pension)

be able to afford the loan

If you are applying for a loan to pay of existing debt then we will take this into account when assessing your application. Simply ensure you select 'debt consolidation' or 'paying off credit cards' as your loan reason when you fill in the online form.

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